1.2 We process your Personal Data in accordance with the DPL. We process your Personal Data as required for the performance of your agreement(s) with us to use our services ("Services"), operating any account maintained with us, accessing the online platform operated by us (which is accessible through our website at www.stashaway.ae or through our mobile application) ("Platform"), websites or mobile applications, or otherwise to enable you to provide information to or communicate with us. We undertake the processing of your Personal Data as required to comply with Applicable Law (as defined below) that we are subject to. We also process your Personal Data for the purpose of legitimate interests pursued by us or a third party to whom your Personal Data is made available, except in the circumstances where such interests are overridden by your interests or rights as a data subject under the DPL. Please see clause 4 below for a detailed list of the “Purposes” for which we process your Personal Data.
1.3 The words "we", "us", "our" or any of their derivatives refer to StashAway and its successors and any novatee, assignee, transferee or purchaser of StashAway's rights and/or obligations hereunder and any reference to StashAway includes a reference to such successor, novatee, assignee, transferee or purchaser. The words "you", "your", "yours" or any of their derivatives refer to the person using our Services, operating any account maintained with us, accessing our Platform, website or mobile applications, or otherwise providing information to or communicating with us and shall include, as the context may require, personal representatives (as the case may be).
2.2 The Personal Data that we collect or may collect include:
Section 2 sets out the type of Personal Data that we collect or may collect from you.
3.1 The Personal Data has/or will be obtained from the following sources, where applicable, or such other sources which we may see fit from time to time:
3.2 As the accuracy of your Personal Data depends largely on the information you provide to us, you should inform us as soon as practicable if there are any errors in the Personal Data or if there have been any changes to the Personal Data. We intend to keep the Personal Data accurate and up-to-date, and retain the Personal Data no longer than necessary for the above purposes or as required or permitted by any applicable law.
Section 3 sets out where we may obtain Personal Data from.
As the accuracy of your Personal Data depends largely on the information you provide to us, you should inform us as soon as practicable if there are any errors in the Personal Data or if there have been any changes to the Personal Data.
4.1 We may use your Personal Data for our business purposes, including the provision and continuing operation of the Platform and the Services provided to you. This includes, the following purposes ("Purposes"):
4.2 We will inform you if any of your Personal Data will be used for the purposes of direct marketing, whether by us or via a third party, and you will be offered the option of objecting to any such direct marketing. You may also, at any time, object to receive marketing information from us. If you wish to do so, please click on the “Unsubscribe” option available on all marketing/newsletter emails that you may receive from us or contact our Data Protection Officer (see the contact details in clause 12 below).
Section 4 sets out how we may use your Personal Data. This includes using your Personal Data for the provision of our Services / Platform to you, for marketing purposes, and to comply with regulatory requirements.
We may from time to time disclose and share your Personal Data to our directors, officers, employees, representatives, agents or delegates or any third parties, whether located in DIFC, Singapore or otherwise, to carry out the Purposes. This includes, disclosing and sharing your Personal Data with the following:
We may also disclose and share your Personal Data with other persons in connection with the Purposes described in Section 4.
We may transfer, store, process and/or deal with your Personal Data outside the DIFC for one or more of the Purposes set out above. In doing so, we will comply with the DPL and other applicable data protection and privacy laws. For example, if we transfer your Personal Data to a country outside the DIFC that lacks an adequate level of data protection, as determined by the DPL, we will ensure that appropriate safeguards are in place. You can contact our Data Protection Officer using the contact details in clause 12 below for further details of the safeguards we put in place. We implement appropriate technical and organisational measures to ensure that any processing of your Personal Data is undertaken securely and in compliance with the DPL. This includes encrypting all Personal Data stored outside the DIFC, both whilst in transit and also whilst in storage.
We may transfer your Personal Data outside the DIFC. If we do, we will comply with applicable data protection and privacy laws.
We may retain your Personal Data for as long as it is necessary for the purpose it was collected, for business purposes or to comply with applicable laws.
You have a number of key rights under the DPL. We have set these out below:
8.1 You may request access to your Personal Data that we hold, or request the rectification of any inaccurate Personal Data or the erasure of Personal Data under certain circumstances. You may also restrict our processing of your Personal Data under certain circumstances.
8.2 You have the right to object to the processing of your Personal Data on reasonable grounds and where the processing of your Personal Data is being undertaken in relation to the performance of a task carried out in the public interest or in the exercise of any official authority vested in us or where the processing is necessary for the purposes of our or a third party’s legitimate interests.
8.3 You have the right to receive Personal Data you have provided to us in a structured, commonly used and machine-readable format in the circumstances where we have processed your Personal Data in relation to our agreement with you and that processing has been carried out by automated means.
8.4 In the circumstances where we are undertaking automated decision making in relation to you, you have the right to object to any decision based solely on such automated processing which produces legal consequences or otherwise seriously impacts you. You have the right, in such circumstances to have the decision reviewed manually.
If you would like to exercise any of your rights in relation to your Personal Data or require further information on the scope of any such rights please contact our Data Protection Officer (see the contact details in clause 12 below). You also have the right to lodge a complaint with the DIFC Data Protection Commissioner in relation to both your data subject rights and, more broadly, any DPL issues you have encountered.
You have various data subject rights and we have set out what these are in detail and how you may exercise them.
9.2 A pixel tag, also known as a web beacon, is an invisible tag placed on certain pages of our web site but not on your computer. Pixel tags are usually used in conjunction with cookies and are used to monitor the behaviour of users visiting the web site.
9.3 You may set up your web browser to block cookies which will in turn disable the pixel tags from monitoring your web site visit. You may also remove cookies stored from your computer or mobile device. However, if you do block cookies and pixel tags, you may not be able to use certain features and functions of our web sites or the Platform.
9.4 We also use analytics programs such as Google Analytics for web analytics purposes to manage and improve our websites, mobile applications, the Platform and/or our Services. Features of Google Analytics that we may use include Remarketing with Google Analytics, Google Display Network Impression Reporting, and Google Analytics Demographics and Interest Reporting. Accordingly, your Personal Data may be collected for reports such as impression reporting, demographic reporting, interest reporting and to assist with tailoring our online advertising to provide you with a better experience. You may refer to this link for more information about how your Personal Data is collected through Google Analytics.
9.5 We and our third-party vendors, including Google, use first-party cookies (such as the Google Analytics cookie) or other first-party identifiers, and third-party cookies (such as Google advertising cookies) or other third-party identifiers together, to inform, analyse, optimise, and serve custom ads based on your interests, searches and prior usage patterns when visiting our websites, mobile applications and Platform, and for other market research analysis purposes such as impression reporting and how your interactions with these ads are related to visits to our websites, mobile applications and Platform, amongst others. As a consequence, third party vendors may show our ads on other websites or mobile applications. We neither support nor endorse the goals, causes or statements of these websites or mobile applications which display our ads.
9.6 Using the Google Ad Settings, you may control the ads you view, block specific advertisers, learn how ads are selected for you, and opt-out of Google Analytics for Display Advertising. To opt out from any collection or use of information by Google Analytics, please download and install the Google Analytics Opt-Out Browser Add-on available at this link. By opting out, you will not be subject to online advertising or marketing analysis by Google Analytics and you will no longer receive ads tailored to your browsing patterns and usage preferences.
StashAway Management (DIFC) Limited is regulated by the DFSA (license number F006312) for the provision of arranging custody, arranging deals in investments, advising on financial products, and managing assets, with a retail endorsement.
StashAway Management (DIFC) Limited (registration number CL 3982) is established in the DIFC pursuant to the DIFC Companies Law. Its registered address is Unit 1301, Level 13, Emirates Financial Towers, P.O. Box 507051, Dubai International Financial Centre, Dubai, United Arab Emirates.